Job Description

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RL - Mortgages - Area Sales Manager - ASHA Home Loan - Branch
About the Business Group:
The Mortgages department is a part of the Retail Lending business of the bank and offers Asha Home Loans to all segments including affordable segment of customers Pan India.
About the Role:
This is a leadership role responsible for achieving business goals, optimizing profitability, overseeing compliance, and driving transformation within Asha Home Loan Business. It involves strategic planning and execution to maximize revenue, enhance portfolio growth, and ensure risk compliance.
Details of the Role:
Department Retail Lending Grade Mgr / Sr Mgr/AVP
Sub-Department Retail Lending- ASHA Home Loan - Branch Reporting (Business) Sr Mgr / AVP/VP
Location Pan India Reporting (Matrix)
Key Responsibilities:
Business Goals and Profitability

• Deliver disbursement targets in the assigned area through the Branch Banking channel.
• Monitor daily performance metrics and take proactive measures to meet area-level targets.

Sales and Channel Development

• Coordinate with branch managers and staff for regular mortgage product training and support.
• Generate and convert leads from branches, ensuring alignment with zonal strategies.

Compliance and Risk Management

• Ensure documentation, eligibility checks, and process adherence at the branch level.
• Support audit and compliance processes as per internal and regulatory norms.

Customer Experience

• Support branches in delivering seamless customer experience throughout the loan journey.
• Address and resolve escalations from customers or internal teams.

Digital Adoption and Innovation

• Drive usage of digital tools like Siddhi, MLP, Omega, and SFDC by branch staff.

Qualifications:

• Graduation/post-graduation from a recognized institute
• 6+ sales experience (secured products preferred) with at least 2-3 years in Home Loan and LAP (preferably affordable housing loans).

Role Proficiencies:

• Strong sales orientation
• Proficiency in managing complex client relationships, diverse stakeholders
• Capability to handle pressure and meet deadlines
• Skill in managing large, geographically spread team; coaching and mentoring team members
• Competence in managing within a dynamic, priority-setting environment
• Strong risk and compliance mindset
• Adept at communication and interpersonal skills

About Axis
Incorporated in 1994, Axis Bank is one of India's most trusted banks & the third largest in the private sector. At Axis Bank, customer centricity has always been the foundation of our business. Our efforts to address the requirements of a diverse customer cross-section are powered by robust infrastructure, advanced technology, a comprehensive monitoring & control framework & a large talent pool.
The Bank has a young & engaged workforce with an average age of 30 years. We are an equal opportunity employer & believe in empowering our employees by offering rich roles, learning opportunities & flexibility to chart their career, their way.
Skills:
Refer to the
About Company:
Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. The Bank has a large footprint of 4,594 domestic branches (including extension counters) with 11,333 ATMs & 5,710 cash recyclers spread across the country as on 31st March, 2021. The Bank has 6 Virtual Centres and has over 1500 Virtual Relationship Managers as on 31st March 2021.The Overseas operations of the Bank are spread over eight international offices with branches at Singapore, Dubai (at DIFC) and Gift City-IBU; representative offices at Dhaka, Dubai, Abu Dhabi, Sharjah and an Overseas subsidiary at London, UK. The international offices focus on Corporate Lending, Trade Finance, Syndication, Investment Banking and Liability Businesses